FinWise Bancorp (FINW)
FinWise Bancorp Statistics
Share Statistics
FinWise Bancorp has 13.22M shares outstanding. The number of shares has increased by 3.3% in one year.
| Shares Outstanding | 13.22M |
| Shares Change (YoY) | 3.3% |
| Shares Change (QoQ) | 0.04% |
| Owned by Institutions (%) | 27.25% |
| Shares Floating | 8.94M |
| Failed to Deliver (FTD) Shares | 123 |
| FTD / Avg. Volume | 0.5% |
Short Selling Information
The latest short interest is 37.54K, so 0.28% of the outstanding shares have been sold short.
| Short Interest | 37.54K |
| Short % of Shares Out | 0.28% |
| Short % of Float | 0.42% |
| Short Ratio (days to cover) | 2.32 |
Valuation Ratios
The PE ratio is 15.82 and the forward PE ratio is 18.5. FinWise Bancorp's PEG ratio is -0.49.
| PE Ratio | 15.82 |
| Forward PE | 18.5 |
| PS Ratio | 2.89 |
| Forward PS | 1.7 |
| PB Ratio | 1.16 |
| P/FCF Ratio | -10.14 |
| PEG Ratio | -0.49 |
Enterprise Valuation
FinWise Bancorp has an Enterprise Value (EV) of 95.55M.
| EV / Sales | 1.37 |
| EV / EBITDA | 0 |
| EV / EBIT | -6.37 |
| EV / FCF | -4.8 |
Financial Position
The company has a current ratio of 73.07, with a Debt / Equity ratio of 0.
| Current Ratio | 73.07 |
| Quick Ratio | 73.07 |
| Debt / Equity | 0 |
| Debt / EBITDA | - |
| Debt / FCF | 0 |
| Interest Coverage | 0 |
Financial Efficiency
Return on Equity is 7.33% and Return on Invested Capital is 2.58%.
| Return on Equity | 7.33% |
| Return on Assets | 1.71% |
| Return on Invested Capital | 2.58% |
| Revenue Per Employee | $356.24K |
| Profits Per Employee | $65.01K |
| Employee Count | 196 |
| Asset Turnover | 0.09 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 4.25M |
| Effective Tax Rate | 25% |
Stock Price Statistics
The stock price has increased by 55.34% in the last 52 weeks. The beta is 0.85, so FinWise Bancorp's price volatility has been higher than the market average.
| Beta | 0.85 |
| 52-Week Price Change | 55.34% |
| 50-Day Moving Average | 18.12 |
| 200-Day Moving Average | 15.64 |
| Relative Strength Index (RSI) | 31.09 |
| Average Volume (20 Days) | 24.7K |
Income Statement
In the last 12 months, FinWise Bancorp had revenue of 69.82M and earned 12.74M in profits. Earnings per share was 0.93.
| Revenue | 69.82M |
| Gross Profit | 69.82M |
| Operating Income | 25.64M |
| Net Income | 12.74M |
| EBITDA | 0 |
| EBIT | 51.29M |
| Earnings Per Share (EPS) | 0.93 |
Balance Sheet
The company has 106.06M in cash and 64K in debt, giving a net cash position of 106M.
| Cash & Cash Equivalents | 106.06M |
| Total Debt | 64K |
| Net Cash | 106M |
| Retained Earnings | 116.59M |
| Total Assets | 745.98M |
| Working Capital | 103.25M |
Cash Flow
In the last 12 months, operating cash flow was -14.99M and capital expenditures 0, giving a free cash flow of -19.89M.
| Operating Cash Flow | -14.99M |
| Capital Expenditures | 0 |
| Free Cash Flow | -19.89M |
| FCF Per Share | -1.58 |
Margins
Gross margin is 100%, with operating and profit margins of 36.73% and 18.25%.
| Gross Margin | 100% |
| Operating Margin | 36.73% |
| Pretax Margin | 24.33% |
| Profit Margin | 18.25% |
| EBITDA Margin | n/a |
| EBIT Margin | 36.73% |
| FCF Margin | -28.48% |
Dividends & Yields
FINW does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 6.32% |
| FCF Yield | -9.87% |
Analyst Forecast
The average price target for FINW is $22, which is 46.8% higher than the current price. The consensus rating is "Buy".
| Price Target | $22 |
| Price Target Difference | 46.8% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.73 |
| Piotroski F-Score | 6 |